S&T Bancorp [STBA] vs U.S. Bancorp [USB] Detailed Stock Comparison
S&T Bancorp
NASDAQ
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U.S. Bancorp
NYSE
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TLDR: Quick Comparison Summary
Based on 18 vital metrics comparison: S&T Bancorp wins in 11 metrics, U.S. Bancorp wins in 7 metrics, with 0 ties. S&T Bancorp appears stronger overall.
View Metrics Details
Vital Metrics Comparison
| Metric | S&T Bancorp | U.S. Bancorp | Better |
|---|---|---|---|
| P/E Ratio (TTM) | 11.53 | 11.55 | S&T Bancorp |
| Price-to-Book Ratio | 1.04 | 1.38 | S&T Bancorp |
| Debt-to-Equity Ratio | 0.20 | 1.34 | S&T Bancorp |
| PEG Ratio | -1.51 | 0.80 | S&T Bancorp |
| Profit Margin (TTM) | 33.71% | 27.00% | S&T Bancorp |
| Operating Margin (TTM) | 41.84% | 37.33% | S&T Bancorp |
| EBITDA Margin (TTM) | 41.84% | 37.33% | S&T Bancorp |
| Return on Equity | 9.47% | 11.67% | U.S. Bancorp |
| Return on Assets (TTM) | 1.35% | 1.01% | S&T Bancorp |
| Free Cash Flow (TTM) | $170.37M | $11.27B | U.S. Bancorp |
| Dividend Yield | 4.73% | 4.60% | S&T Bancorp |
| 1-Year Return | -9.49% | 6.37% | U.S. Bancorp |
| Price-to-Sales Ratio (TTM) | 3.87 | 2.94 | U.S. Bancorp |
| Enterprise Value | $1.56B | $103.17B | U.S. Bancorp |
| EV/Revenue Ratio | 4.01 | 4.04 | S&T Bancorp |
| Revenue per Share (TTM) | $10 | $16 | U.S. Bancorp |
| Earnings per Share (Diluted) | $3.40 | $4.18 | U.S. Bancorp |
| Beta (Stock Volatility) | 0.91 | 1.03 | S&T Bancorp |
Performance
Key Stats
Valuation
Financials
Short Interest
Dividends
S&T Bancorp vs U.S. Bancorp Stock Performance Analysis
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Performance Comparison
Short-term Returns
| Stock | 1D | 1W | 1M | 3M | 6M | YTD |
|---|---|---|---|---|---|---|
| S&T Bancorp | 5.09% | 5.57% | 1.37% | 7.18% | 0.23% | 5.54% |
| U.S. Bancorp | 4.57% | 5.07% | 4.55% | 11.92% | 5.81% | 0.84% |
Long-term Returns
| Stock | 1Y | 3Y | 5Y | 10Y | 15Y | 20Y |
|---|---|---|---|---|---|---|
| S&T Bancorp | -9.49% | 28.22% | 90.06% | 33.01% | 120.28% | 4.84% |
| U.S. Bancorp | 6.37% | 3.85% | 29.78% | 13.36% | 122.90% | 65.85% |
Performance & Financial Health Analysis: S&T Bancorp vs U.S. Bancorp
| Metric | STBA | USB |
|---|---|---|
| Market Information | ||
| Market Cap | $1.50B | $75.13B |
| Market Cap Category | Small cap | Large cap |
| 10 Day Avg. Volume | 141,100 | 7,851,820 |
| 90 Day Avg. Volume | 129,853 | 9,983,033 |
| Last Close | $39.21 | $48.28 |
| 52 Week Range | $30.84 - $45.46 | $35.18 - $53.98 |
| % from 52W High | -13.75% | -10.56% |
| All-Time High | $47.77 (Aug 27, 2018) | $63.57 (Jan 10, 2022) |
| % from All-Time High | -17.92% | -24.05% |
| Growth Metrics | ||
| Quarterly Revenue Growth | 0.02% | 0.03% |
| Quarterly Earnings Growth | -0.07% | 0.13% |
| Financial Health | ||
| Profit Margin (TTM) | 0.34% | 0.27% |
| Operating Margin (TTM) | 0.42% | 0.37% |
| Return on Equity (TTM) | 0.09% | 0.12% |
| Debt to Equity (MRQ) | 0.20 | 1.34 |
| Cash & Liquidity | ||
| Book Value per Share (MRQ) | $37.70 | $35.02 |
| Cash per Share (MRQ) | $6.34 | $39.85 |
| Operating Cash Flow (TTM) | $139.22M | $7.48B |
| Levered Free Cash Flow (TTM) | $131.25M | $5.91B |
| Dividends | ||
| Last 12-Month Dividend Yield | 4.73% | 4.60% |
| Last 12-Month Dividend | $1.69 | $1.99 |
Valuation & Enterprise Metrics Analysis: S&T Bancorp vs U.S. Bancorp
| Metric | STBA | USB |
|---|---|---|
| Price Ratios | ||
| P/E Ratio (TTM) | 11.53 | 11.55 |
| Forward P/E | 12.98 | 11.15 |
| PEG Ratio | -1.51 | 0.80 |
| Price to Sales (TTM) | 3.87 | 2.94 |
| Price to Book (MRQ) | 1.04 | 1.38 |
| Market Capitalization | ||
| Market Capitalization | $1.50B | $75.13B |
| Enterprise Value | $1.56B | $103.17B |
| Enterprise Value Metrics | ||
| Enterprise to Revenue | 4.01 | 4.04 |
| Enterprise to EBITDA | N/A | N/A |
| Risk & Other Metrics | ||
| Beta | 0.91 | 1.03 |
| Book Value per Share (MRQ) | $37.70 | $35.02 |
Financial Statements Comparison: S&T Bancorp vs U.S. Bancorp
Financial Metrics
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Revenue
EBITDA
Operating Margin
Free Cash Flow
Long Term Debt
Profit Margin
Current Ratio
Operating Cash Flow
Income Statement (MRQ)
| Metric (MRQ) | STBA | USB |
|---|---|---|
| Revenue/Sales | $100.07M | $6.93B |
| Cost of Goods Sold | N/A | N/A |
| Gross Profit | N/A | N/A |
| Research & Development | N/A | N/A |
| Operating Income (EBIT) | N/A | N/A |
| EBITDA | N/A | N/A |
| Pre-Tax Income | $39.98M | $2.16B |
| Income Tax | $8.08M | $443.00M |
| Net Income (Profit) | $31.90M | $1.72B |
Balance Sheet & Liquidity Metrics (MRQ)
| Metric (MRQ) | STBA | USB |
|---|---|---|
| Cash & Equivalents | $211.84M | $50.01B |
| Total Current Assets | N/A | N/A |
| Total Current Liabilities | N/A | N/A |
| Long-Term Debt | $100.31M | $59.86B |
| Total Shareholders Equity | $1.42B | $60.56B |
| Retained Earnings | $1.06B | $77.69B |
| Property, Plant & Equipment | N/A | N/A |
Cash Flow Statement Comparison (MRQ)
| Metric (MRQ) | STBA | USB |
|---|---|---|
| Operating Cash Flow | N/A | $-750.00M |
| Capital Expenditures | $-1.73M | N/A |
| Free Cash Flow | $26.97M | $-285.00M |
| Debt Repayment | $-20,000 | $-2.10B |
| Common Stock Repurchase | $-41,000 | $-160.00M |
Short Interest & Institutional Ownership Analysis
| Metric | STBA | USB |
|---|---|---|
| Shares Short | 647,032 | 21.33M |
| Short Ratio | 4.89 | 1.70 |
| Short % of Float | 0.02% | 0.01% |
| Average Daily Volume (10 Day) | 141,100 | 7,851,820 |
| Average Daily Volume (90 Day) | 129,853 | 9,983,033 |
| Shares Outstanding | 38.26M | 1.56B |
| Float Shares | 37.84M | 1.55B |
| % Held by Insiders | 0.02% | 0.00% |
| % Held by Institutions | 0.73% | 0.82% |
Dividend Analysis & Yield Comparison: S&T Bancorp vs U.S. Bancorp
| Metric | STBA | USB |
|---|---|---|
| Last 12-Month Dividend | $1.69 | $1.99 |
| Last 12-Month Dividend Yield | 4.73% | 4.60% |
| 3-Year Avg Annual Dividend | $1.42 | $1.78 |
| 3-Year Avg Dividend Yield | 0.97% | 1.19% |
| 3-Year Total Dividends | $4.25 | $5.35 |
| Ex-Dividend Date | Aug 14, 2025 | Mar 31, 2025 |